Call reports 2007
LAKE COMMUNITY BANK — 2007
What LAKE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 166,227,000 | 158,494,000 | 168,500,000 | 165,252,000 |
| Total loans | 128,776,000 | 125,307,000 | 123,762,000 | 121,581,000 |
| Allowance for loan losses | 2,038,000 | 1,744,000 | 1,623,000 | 2,829,000 |
| Securities available for sale | 19,744,000 | 20,627,000 | 29,972,000 | 28,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,896,000 | 137,610,000 | 150,542,000 | 141,938,000 |
| Interest-bearing deposits | 126,678,000 | 117,616,000 | 129,989,000 | 119,942,000 |
| Noninterest-bearing deposits | 21,218,000 | 19,994,000 | 20,553,000 | 21,996,000 |
| Equity capital | 15,194,000 | 14,466,000 | 15,138,000 | 13,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,052,000 | 5,972,000 | 9,128,000 | 11,681,000 |
| Interest expense | 1,377,000 | 2,795,000 | 4,284,000 | 5,717,000 |
| Net interest income | 1,675,000 | 3,177,000 | 4,844,000 | 5,964,000 |
| Noninterest income | 143,000 | 339,000 | 590,000 | 826,000 |
| Noninterest expense | 1,700,000 | 3,309,000 | 4,747,000 | 6,232,000 |
| Provision for loan losses | 164,000 | 776,000 | 802,000 | 2,672,000 |
| Pretax income | -64,000 | -587,000 | -134,000 | -2,123,000 |
| Income tax | -74,000 | -74,000 | -74,000 | -626,000 |
| Net income | 10,000 | -513,000 | -60,000 | -1,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,420,000 | 14,897,000 | 15,350,000 | 13,913,000 |
| Total capital | 17,260,000 | 16,641,000 | 16,973,000 | 15,698,000 |
| Risk-weighted assets | 146,988,000 | 142,063,000 | 143,130,000 | 141,775,000 |
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